Thomas County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Thomas County, GA distress report, 2026: 9 ZIPs scored in Thomas, GA, Thomas, GA average 28/100; the top Thomas, GA ZIP is 31738 at 30/100; Thomas, GA market phase peak, Thomas, GA prices +1.2% year over year.
- Thomas, GA ranks #1,974 nationally (opportunity index); Thomas, GA #138 in Georgia; Thomas, GA index 27.8.
- Thomas, GA: no CFPB county sample; Thomas, GA non-metro area reading 1.3%.
- Thomas, GA ZIP phases: 7 peak, 2 expansion.
- Thomas, GA residential listings tracked: 2 across 5 ZIPs; Thomas, GA candidate listings 0.
- Thomas, GA HUD assisted properties: 4 with 204 units.
- Thomas, GA lenders on watch: 4; largest Thomas, GA footprint Thomasville National Bank (2 branches).
- Thomas, GA most distressed ZIP: 31738 at 30/100.
Thomas, GA figures: DLRadar distress index; Thomas, GA inputs: CFPB, FHFA, HUD, FDIC; Thomas, GA rebuilt as sources refresh.
| Rank | Thomas, GA ZIP | Score |
|---|---|---|
| 1 | 31738 | 30/100 |
| 2 | 31765 | 30/100 |
| 3 | 31626 | 29/100 |
| 4 | 31757 | 29/100 |
| 5 | 31773 | 28/100 |
| 6 | 31778 | 28/100 |
| 7 | 31792 | 28/100 |
| 8 | 31720 | 26/100 |
| 9 | 31779 | 26/100 |
Most distressed Thomas, GA ZIPs (0-100, 2026)
Mortgage delinquency around Thomas, GA
No CFPB county sample covers Thomas, GA; the non-metro area reading for Thomas, GA: 1.3% ninety-plus; Thomas, GA area thirty-to-eighty-nine 3.0% (December 2025, Thomas, GA); Georgia overall 1.3%.
Opportunity index: Thomas, GA
Thomas, GA index 27.8, Thomas, GA phase weak; Thomas, GA primary driver construction, Thomas, GA second driver vacancy. Thomas, GA components: property stress 22.8, foreclosure pressure 23.9, listing discounts 6.5, bank stress 43.1, insurance 0.0; Thomas, GA pulse 34.0; Thomas, GA capital opportunity 18.5; Thomas, GA seven-day change +0.6%.
ZIP market phases inside Thomas, GA
9 Thomas, GA ZIPs carry a price-cycle phase; Thomas, GA ZIPs by phase (Thomas, GA), deepest drawdown first: peak, +1.2% YoY, 0.0% off peak (Thomas, GA): 31738, 31757, 31773, 31792; peak, +1.8% YoY, 0.0% off peak (Thomas, GA): 31626; peak, +1.9% YoY, 0.0% off peak (Thomas, GA): 31765; expansion, +5.4% YoY, 0.0% off peak (Thomas, GA): 31778; peak, +2.0% YoY, 0.0% off peak (Thomas, GA): 31779; expansion, +7.5% YoY, 0.0% off peak (Thomas, GA): 31720.
Residential listings by Thomas, GA ZIP
Thomas, GA ZIPs with the most tracked Thomas, GA residential listings: 31757 1 listings, 0 candidates, bank pressure 58; 31792 1 listings, 0 candidates, bank pressure 58; 31626 0 listings, 0 candidates, bank pressure 61; 31738 0 listings, 0 candidates, bank pressure 56 (Thomas, GA); 31773 0 listings, 0 candidates, bank pressure 57. Thomas, GA totals: 2 listings; Thomas, GA candidates 0; active ZIPs 1.
HUD assisted housing in Thomas, GA
4 assisted properties with 204 units sit in Thomas, GA; largest Thomas, GA properties: Providence Plaza Apartments (I, Ii) (Thomasville) 90 units, 90 assisted; Ashley Park Apartments (Thomasville) 84 units; Gibb Thomasville Village (Thomasville) 20 units, 19 assisted in Thomas, GA; Gibb Thomasville Village Ii (Thomasville) 10 units, 10 assisted.
Lenders with branches in Thomas, GA
Thomas, GA lenders by branch count: Thomasville National Bank (Thomas, GA): stress 41, 2 branches low in Thomas, GA; Barwick Banking Co (Thomas, GA): stress 78, 1 branch low in Thomas, GA; Colony Bank (Thomas, GA): stress 65, 1 branch low in Thomas, GA; Ameris Bank (Thomas, GA): stress 51, 1 branch low in Thomas, GA.
Vacancy and permits, Thomas, GA
2,446 of 21,130 Thomas, GA housing units are vacant; Thomas, GA permits, twelve months: 0 multifamily units in Thomas, GA, 122 one-to-four unit units.
Work Thomas, GA at the parcel level
Every Thomas, GA parcel carries owner and address; every Thomas, GA parcel carries APN; Thomas, GA distress scores sit on the Thomas, GA live board.
Thomas, GA figures refresh with each source.
Thomas, GA questions
Most distressed ZIP code in Thomas County, GA?
ZIP 31738 leads Thomas, GA at 30/100; next in Thomas, GA: 31765 at 30/100; the Thomas, GA average is 28/100.
Where does Thomas County, GA rank for investment opportunity?
Thomas, GA is #1,974 among all ranked counties, #138 in Georgia; the Thomas, GA driver is construction; Thomas, GA moved down 478 places.
How many mortgages are delinquent in Thomas County, GA?
Thomas, GA takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Thomas, GA.
Which banks lend in Thomas County, GA?
4 watched lenders hold Thomas, GA branches; the largest Thomas, GA footprints are Thomasville National Bank (2), Barwick Banking Co (1), Colony Bank (1).
More on Thomas, GA
Thomas County, GA distress report: public-record figures for Thomas, GA; not legal advice for Thomas, GA; not tax or investment advice; verify every Thomas, GA record before acting.